Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back® account during each Monthly Qualification Cycle:
- At least one monthly direct deposit/ACH credit and/or debit
- At least 12 debit card purchases post and settle
- Be enrolled in and agree to receive e-statements
Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month.
- Free checking that pays you back
- 3.00% cash back on debit card purchases*
- No category restrictions on purchases
- Cash back earned on up to $300 in purchases monthly
- Earn up to $108 cash back per year, $9.00 per month
- Refunds on ATM withdrawal fees, nationwide (up to $15)*
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free online banking with bill pay
- Free Visa® debit card
- Free e-statements
- Free mobile banking
- $25 minimum deposit to open
You’ve got to earn before you can save.
Get monthly cash rewards with Kasasa Cash Back. This innovative checking account pays you cash back on more than gas and groceries — 100% free of maintenance fees.
We partnered with credit unions across the country to offer you seamless service. Use hundreds of surcharge-free ATMs in Texas. Visit over 5,000 shared branches nationwide.
Surcharge-Free ATMs Shared Branches
*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive (1) 3.00% cash back on up to a total of $300.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to an aggregate total of $15.00 (max. $4.00 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. An ATM receipt must be presented for reimbursements of individual ATM withdrawal fees of $4.01 or higher. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash Back qualifications are not met, no cash back payments are made and ATM fees are not refunded. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of current statement cycle. Rates and rewards are variable and may change after account is opened. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. $25 minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, electronic statements, and log-ons) may be required to meet some of the account's qualifications. Monthly Direct Deposit/ACH credit and / or debit is a qualifier for this account. Limit  account per social security number / individual taxpayer identification number. There are no recurring monthly service charges or fees to open or close this account. This account is intended to be the accountholder's primary share draft account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting and entertainment transactions are posted and settled. Commensurate with the spending activities identified above, we expect the account's debit card to be used frequently throughout each month and for transaction amounts to reflect a wide dollar range. Small debit card transactions conducted on the same day at a single merchant and/or multiple transactions made during a condensed time period particularly near the end of a Monthly Qualification Cycle are not considered normal, day-to-day spending behavior. These types of transactions appear to be conducted with the sole purpose of qualifying for the account's rewards and thus will be deemed inappropriate transactions and will not count toward earning the account's rewards. Contact one of our credit union service representatives for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA]. Kasasa and Kasasa Cash Back are trademarks of Kasasa, Ltd., registered in the U.S.A.